Car deemed a "write-off" but it's completely driveable

slykatrinah

You have to be careful and weigh all your options and the consequences keenly. Can't help much but all the best.

duchy

Blondie is even blonder than that-she is not even in the UK so laws applying to her situation will be different anyway <shrug>

TrickyWicky

duchy wrote: »

Blondie is even blonder than that-she is not even in the UK so laws applying to her situation will be different anyway <shrug>

LOL! :rotfl::D

Well spotted I never even noticed that! :T

prouty99

My car was broadsided by a van earlier this week, the wing, and door (passenger) were both smashed...

The engineer appointed by the independant company i appointed (i wasn't gonna get screwed by the insurance company's people), today valued the car at £1800 when i only had it insured for £1000 !

As a result of this the car wasn't classed as a write off even though its a ten year old Toyota avensis with over 90K on the clock. I also have a 2011 Chevrolet Aveo as a hire car at £80 a day (which i have had all week and is pledged to me until the Avensis is completely finished, or i have cashed the write off cheque.

Its also two weeks before Christmas and the repairer is shut over the christmas period

So 1 new door, 1 new wing, and two weeks hire of the Chevy must all add up to over 50% of even the engineers valuation

£ 80 a day for 14 days = £1120 + cost of door & wing, plus towing charge (from the accident scene), plus labour would cost equal to, or probably more than £1800

Why wasn't the car written off ?

Ideas anyone ?

TrickyWicky

Depends on the insurer. You're best off asking them as we can't really tell you that..

vaio

yep, but most if not all of the car hire costs would still be incurred even if they wrote it off so that needs to be taken out of the equation

agray2812

Hi,

I had a small run in with some unseen concrete bollards just before Christmas. The car was driveable and we managed to use for 2 days before Nationwide crash repair came and took it away for assessmnet and left us with a courtesy car.
I am no expert but as far as i can tell the damage was to front wing and to sills on passenger side door (both probably need replacing) there may also have ben some damage to the underside of the car.
Obviously being Xmas it has taken a while to get a report on the damage, but iwas called yesterday and told the insurers are writing it off. I am yet to receive a call from the total loss people, but i am loathe to giove our car up as we have spent quite a bit of cash on the car recently for repairs etc anyways. It a 53 plate megane scenic. Am i right in saying that if they make as on offer for the car value, firstly we should haggle on the price; secondly we could take the cheque and then buy back the car at scrap value.
This then would mean we can get repairs made (if economical) and re MOT the car and use as normal.

My other problem is that Nationwide crash repairs now want their loan car back (next Weds) and of course i will need a vehicle to get to work then. Can i claim for a hire car from insurers whilst we are waiting for the claim to be sorted??


Any advice will be greatfully received!

ADDED NOTE:
We are insured via Hastings direct and i have just been told by them that we cannot buy the car back from them if scrapped (not directly, but possibly via salvage company) This could stimy any of the above plans but advice still greatfully received.
The insurers do not have the damage report in writing yet so i do not even know what category of damage it is.
HELP!

mattyprice4004

My advice would be to make a new thread, you'll get more views.

Thread hijacking is usually less productive than having your own.

00ec25

agray2812 wrote: »

We are insured via Hastings direct and i have just been told by them that we cannot buy the car back from them if scrapped (not directly, but possibly via salvage company) The insurers do not have the damage report in writing yet so i do not even know what category of damage it is.

yes Hastings stick to that policy and enforce the beyond economic repair write off wherever possible, the policy small print clealry states that it is not possible to buy back the salvage. If I had allowed Hastings to handle my claim they would have kept my car, instead of which I still have my car some 2 years after the last incident

It is my understanding that the other party's insurer cannot make your car a Class C or D as they have no legal right over your car so it can only be written off by your own insurance company???????

Anyway this is my personal experience - 8 months after the first rear ender i had another, so 2 events in the same year, I notified Hastings in each case so that they had to provide me the details of the third party's insurer but from then on I insisted that Hastings were not to represent me at all and I handled each claim myself. In the first case the engineer's report was done by Hastings (which is when i was told about the write off clause) in the second it was by the other party's engineer. In both cases I accepted a payment in lieu of the agreed value of the car, consequently on a car worth £300 I have received £600 in 2 payments in the space of 8 months.

I was concerned about my car being written off and checked several times with Hastings to confirm they were not aware of any thing processing, i also checked the register myself for a few months but my car has never been put on the register and I have subsequently received the V11 renewal form without any problem - DVLA will not send a V11 if the car is on the register until you go through the VIC process with VOSA and get it "re-registered" so if you get a V11 that is positive confirmation it has not been written off

wealdroam

00ec25 wrote: »

yes Hastings stick to that policy and enforce the beyond economic repair write off wherever possible, the policy small print clealry states that it is not possible to buy back the salvage. If I had allowed Hastings to handle my claim they would have kept my car, instead of which I still have my car some 2 years after the last incident

It is my understanding that the other party's insurer cannot make your car a Class C or D as they have no legal right over your car so it can only be written off by your own insurance company???????

Anyway this is my personal experience - 8 months after the first rear ender i had another, so 2 events in the same year, I notified Hastings in each case so that they had to provide me the details of the third party's insurer but from then on I insisted that Hastings were not to represent me at all and I handled each claim myself. In the first case the engineer's report was done by Hastings (which is when i was told about the write off clause) in the second it was by the other party's engineer. In both cases I accepted a payment in lieu of the agreed value of the car, consequently on a car worth £300 I have received £600 in 2 payments in the space of 8 months.

I was concerned about my car being written off and checked several times with Hastings to confirm they were not aware of any thing processing, i also checked the register myself for a few months but my car has never been put on the register and I have subsequently received the V11 renewal form without any problem - DVLA will not send a V11 if the car is on the register until you go through the VIC process with VOSA and get it "re-registered" so if you get a V11 that is positive confirmation it has not been written off

That's all very interesting, but did you notice that in this instance there is no 'other insurer' involved?
Unless you are considering the concrete bollard's insurers?